We're Perch Loans

A new type of online lender dedicated to helping you see things from a better place.

Where other lenders simply see a number, we see a person full of potential. From better rates and larger loan amounts to easier application and support, we branch out from the rest to help you be your best.

Why Perch Loans?

Better Rates and Longer Terms from Perch

Better rates and longer terms than many short-term loans.

Apply in Minutes

Apply in minutes.
Instant approval decision.
Same-day funding.*

Guaranteed money back from Perch Loans

Money back guarantee -- if you change your mind within 3 business days, repay the principal with no fees.

Flexibility to Push a Payment with Perch Loans

Flexibility to push a payment with no additional interest.**

Free financial wellness educational content with Perch Loans

Free Financial wellness educational content.

Ability to earn higher amounts with Perch Loans

Ability to earn higher amounts and lower rates on future loans.

*Approvals before 10:30 AM ET (M-F) are typically funded by 5 PM ET same-day. Approvals after 10:30 AM ET are normally funded the morning of the next banking day.

**Once per loan term; restrictions apply.